Frequently Asked Questions

We support a wide range of funding options, including self-build mortgages, renovation loans, bridging finance, development funding, and government-backed home improvement grants. Whether you’re upgrading a single room or building from scratch, we can help you find the right financial route.

Our [Funding Pathway Finder Tool] is a great place to start. It asks a few quick questions about your project, budget, and timeline to guide you towards the most suitable product—whether that’s a personal loan, secured lending, remortgage, or grant eligibility.

Yes, many lenders and grant schemes are open to first-time applicants. While experience can help with development finance, self-build and home improvement products are often designed with homeowners in mind. Having a clear plan and solid paperwork is more important than experience alone.

You’ll typically need ID, recent bank statements, proof of income, a detailed project budget, planning permission (if applicable), and a build schedule. For larger or staged funding, you may also need valuations, contractor details, and cost appraisals. Download our free [Funding Checklist] to prepare.

Most lenders require a deposit of 20%–30% of the total land and build cost. However, this varies depending on your project, lender, and financial profile. Some grant-supported projects may require less upfront capital.

It depends on the funding type. Bridging loans can be arranged in as little as 72 hours. Personal loans may take 1–3 days, while secured loans and development finance typically take 2–6 weeks due to valuations and legal processes.

Yes. Many of our users combine government grants (such as the Boiler Upgrade Scheme or ECO4 funding) with personal loans or secured finance. This allows you to maximise funding while keeping monthly repayments manageable.

Initial eligibility checks typically involve a soft credit search, which does not impact your score. A full application may involve a hard search. We always recommend checking your credit report in advance to avoid surprises.

No—we are not a lender. HelpMe-FundIt is an independent platform designed to help you compare finance options, understand the application process, and connect with trusted brokers, lenders, and funding schemes across the UK.

 Yes. Our tools, checklists, guidance, and broker matching services are completely free to use. If you choose to proceed with a broker or lender we connect you to, they will explain any costs or fees directly to you.